BENEFITS OF URGENT CARE

FAQs

At Five Star Urgent Care, we provide our patients with quality, convenient medical care. We know that requiring medical attention can be stressful, so we provide our patients with a comfortable and informative experience to ease patients’ worries. Read our most asked questions below:

Can I be seen without insurance?

Rates are affordable for those without insurance. This includes simple in-house lab tests.

Additional procedures such as stitches, incision and drainage, x-rays, IV fluids or medications, or certain immunizations will be an additional charge to the base visit.

Full payment using either cash or a credit card is required at the time of service.

What is an urgent care facility fee, and does Five Star Urgent Care charge them?

A facility fee is an additional bill patients may be charged for visiting an urgent or convenient care facility that is affiliated with a hospital. This is a bill that is issued to the patient in addition to the doctor’s bill for services provided. In short, you receive two bills for one visit. It is important to know that some hospital centers charge this fee, while others do not.

Unlike some urgent or convenient care centers, patients at Five Star Urgent Care only receive one bill – we never charge our patients with an additional facility fee, which can add hundreds of dollars to a visit if a patient has an un-met deductible.

No – Five Star Urgent Care never charges our patients a facility fee.

Do I need an appointment to visit Five Star Urgent Care?

At Five Star Urgent Care you never need an appointment. We are open 7 days a week and holidays, except Christmas Day.

Does Five Star Urgent Care have short wait times for patients?

Patients of Five Star Urgent Care are typically seen within 15 minutes of registration, and are treated and on their way within one hour. Click on the homepage for the most up-to-date wait times

Can I get an x-ray at Five Star Urgent Care?

Yes – all of Five Star Urgent Care’s locations have state-of-the-art x-ray equipment on-site. After their visit, patients are welcome to review x-ray images with their primary care physicians. Our patients will never receive an additional charge from the radiologist who reads the x-ray taken on premises. The charge is included with your urgent care claim to your insurance carrier, or included in your private fee. At infrequent times, a patient will be sent for an ultrasound or CT scan which will be done off premises. This billing will be generated by that organization.

Do I need to bring anything with me when I visit Five Star Urgent Care?

When visiting Five Star Urgent Care, please bring your health insurance card, driver’s license and a list of your current medications. We will make a copy of this information for our files when you arrive. If you have secondary insurance, please bring it with you and we will submit it on your behalf.

How do I know when I should go to an emergency room versus an urgent care or walk-in clinic?

Five Star Urgent Care is equipped to treat an array of non-life-threatening medical needs, including sprains, fractures, burns, lacerations, rashes, bronchitis, and pneumonia. We have x-rays on-site to allow us to better evaluate your injury. We also have on-site, point-of-care lab testing. This allows us to perform a variety of tests, from a urinalysis for symptoms of a urinary tract infection (UTI) to a rapid strep test.

You should go to a hospital emergency room if you are experiencing a serious medical condition or symptom (including severe pain) caused by an injury or sickness, which arises suddenly and requires immediate care and treatment to avoid permanent disability or death. If you have a true emergency, call 911 immediately. Signs of a true emergency include, but are not limited to:

  • Signs of a heart attack that last two minutes or longer, including chest pain
  • Signs of stroke, like sudden onset of numbness in any extremity
  • Severe shortness of breath
  • Heavy bleeding or bleeding that won’t stop after 10 minutes of direct pressure
  • Poisoning
  • Complicated fractures (i.e. bone through the skin)
  • Major injuries, such as head injury
  • Unexplained drowsiness or disorientation
  • Loss of consciousness
  • Loss of hearing
  • Coughing up or vomiting blood
  • High fever (104° or higher for a child; any fever for an infant less than 6 months old)
  • Suicidal or homicidal feelings
  • Seizures

Does Five Star Urgent Care accept Medicaid for patient visits?

Five Star Urgent Care does accept some Medicaid “Managed Care Options” but we do not accept straight New York State Medicaid.

Managed Medicaid plans accepted by Five Star Urgent Care facilities include:

Big Flats – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
Independent Health
MVP
United Health Care
EXCELLUS

Cicero – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
Independent Health
MVP
United Health Care
EXCELLUS

Fairmount – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
Independent Health
MVP
United Health Care
EXCELLUS

Fayetteville – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
Independent Health
MVP
United Health Care
EXCELLUS

Ithaca – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
Independent Health
MVP
United Health Care
EXCELLUS
Fidelis

Jamestown – Medicaid Managed Care Options
GHI/Emblem Health
Health Now Blue Cross
Independent Health
United Health Care
Univera
YourCare

Liverpool – Medicaid Managed Care Options
GHI/Emblem Health
Health Now
MVP
United Health Care
EXCELLUS

Does Five Star Urgent Care accept Medicare coverage?

As a participating member of Medicare, we accept all Medicare Advantage (replacement) plans. We are participating with the following carriers. If your carrier is not listed, the out of network benefit may require more patient financial responsibility. Please call your insurance carrier to determine your benefit if your carrier is not listed below.

Big Flats – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
United Health Care
Univera

Cicero – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Fairmount – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Fayetteville – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem HealthSecure Horizons
MVP
Today’s Options
United Health Care
Univera

Ithaca – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

Jamestown – Medicare Advantage Plan Participation
AETNA
Empire
Evercare
GHI/Emblem Health
Blue Cross and Blue Shield WNY (except Health Now Senior Blue, Forever Blue PPO)
Independent Health Encompass 65
Secure Horizons
Today’s Options
United Health Care
Univera

Liverpool – Medicare Advantage Plan Participation
Aetna
Cigna
Empire
Excellus (All Blue Cross Blue Shield plans)
GHI/Emblem Health
Secure Horizons
MVP
Today’s Options
United Health Care
Univera

What insurance providers are in-network with Five Star Urgent Care?

If your carrier is not listed below, we will still treat you! Your claim will be paid as an out-of-network provider and may require patient financial responsibility associated with the visit. Please call your insurance company member services (the phone number should be on the back of your insurance card) or refer to your policy benefit for out-of-network treatment.

Big Flats Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Cicero Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Fairmount Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Fayetteville Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Ithaca Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
Fidelis
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Jamestown Participating Insurance Carriers
Aetna
Amerigroup
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with the MVP Logo
Empire United Health Care
Blue Cross Blue Shield WNY and most BC/BS plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
NOVA
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC
YourCare Health Plan, Inc.

Oneonta Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with the MVP Logo
CPB
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
UPMC
Emblem Health/GHI

Liverpool Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Geneva Participating Insurance Carriers
Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with the MVP Logo
CPB
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
UPMC
Emblem Health/GHI

Vestal Participating Insurance Carriers

Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (exceptFidelis)
Cigna with the MVP Logo
Empire United Health Care
Excellus and most BC/BS Plans
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
POMCO
RR Medicare Part B
United Health Care
Univera
UPMC

Plattsburgh Participating Insurance Carriers

Aetna
CDPHP with Magnacare Direct Plus Logo
Child Health Plus (except Fidelis)
Cigna with MVP logo
Empire United Health Care
Excellus
Family Health Plus
GHI HMO/Emblem Health PPO and CPB
Independent Health
Lifetime Benefits Solutions
Magnacare
Medicare Part B
MVP
Pomco
RR Medicare Part B
United Health Care
Univera
UPMC

Will my doctor or primary care provider be notified of my urgent care visit?

The Health Insurance Portability and Accountability Act (HIPAA) Laws protect patients from disclosure of confidential clinical information. With your permission, Five Star Urgent Care will send a summary of your visit to your doctor(s). 

Does Five Star offer pre-employment or sports physicals?

Yes – Five Star Urgent Care offers pre-employment, school, camp and sports physicals.

Can I receive prescription refills for my chronic pain?

No – patients cannot get prescription refills for chronic medical pain from Five Star Urgent Care. Chronic pain management is a serious medical condition that must be followed carefully by the patient’s primary care provider and/or specialists.

How much does an ER visit cost if I have a high deductible plan?

Based on 2011 data from the Health Care Cost Institute, the national average cost for an ER visit was $1,381. If you have a high deductible plan and have not met your deductible, you would be responsible for those ER costs until your deductible is met. ER visits that require x-rays or stitches are typically more than $600. Patients can receive up to three different bills when visiting an ER, including: 1) a bill from the hospital 2) a bill from the ER physician group that staffs the ER, and 3) a bill from the radiologist that reads your x-ray.

For non-emergent or non-life threatening injuries or illnesses, Five Star Urgent Care only charges patients one bill, and it is a fraction of what you would pay for the same services received at an ER.

If you are experiencing life-threatening symptoms, please call 911 or visit an ER.

What do I need to pay at time of service?

Five Star Urgent Care requires deposit at the time of service toward estimated patient deductible or co-insurance amounts.  This can be in the form of cash, check or credit card.  The amount of deposit requested is dependent upon patient’s insurance benefits, and is only estimated.     Co-Payments are due at time of service. These patient responsibility amounts are typically lower than the emergency room benefit.   

Please check your insurance company prior to your visit if you have questions regarding your benefit coverage for urgent care.

Does Five Star Occ Med perform all services related to occupational health?

Yes, Five Star Occ Med is a full-service occupational health clinic. We perform everything from DOT physicals to pulmonary function testing. View our full list of services.

Do I have to wait for occupational medicine exam results to come in the mail?

No, when you set up an account with Five Star, same-day reporting will be custom to your request, whether the results sent via fax or e-mail.

Do I need a service agreement in place to have occupational medicine services performed?

Organizations do not need a services agreement in place prior to obtaining occupational medicine services for employees. We do encourage companies to establish service agreements with us as they help to delineate what services your employees need, as well as streamline communication for billing and reporting. With a service agreement in place, Five Star Occ Med can provide follow-up care for Workers’ Compensation cases. For walk-in occ med patients whose employer does not have a service agreement, payment is required at the time of service.

Do you provide your own Medical Review Officer (MRO) for drug screens?

Yes, Dr. LouAnne Giangreco is Five Star’s Medical Review Officer and as Five Star’s Regional Medical Director, providing our clients with direct access to a physician who can answer questions and resolve concerns in a timely manner.

Are all of Five Star’s drug screen collectors DOT certified?

Yes, all of our collectors are DOT drug and alcohol certified.

Will Five Star provide me with medical guidance if I am not familiar with the OSHA or FMCSA guidelines?

Yes, not only is Five Star here to perform the services our clients need, but we will assist clients on
staying current with the required guidelines and compliant with the required agencies.